We have had this auto loan for 62 months. It was sold from Capital one to CSC Logic. 62 months of payments all on time. The Gina loan payment was due and I was never contacted about it needing to be paid by phone. When I finally received a written notice they had already sent to collections. A perfect payment history for 5 years and now my 805 credit score has dropped to 705. A completely unfair practice. They are playing with peoples livelihood. Do not use this loan company